Today the market offers a wide range of banking offers that allow you to take out a loan for equipment. In some cases, banks make concessions and offer to issue a loan without a down payment.
Today, in order to take out equipment on credit, you can use several options:
- issue a loan directly in the store;
- to issue an inappropriate consumer loan at a bank;
- issue a credit card and pay with it upon purchase.
If you choose any of the above options, a down payment is not required.
Features of obtaining loans for equipment in stores
Today, large equipment sellers offer to take a loan for goods directly in the store. This type of lending is very popular among the population. Because you can go to the store with practically no money and leave with the TV.
According to statistics, most people take loans for household appliances, PCs and mobile phones.
As a rule, to obtain a loan, a minimum initial payment is required - from 10%, but outlets often arrange special promotions that allow you to take a loan without a down payment and overpayments. Seemingly ideal conditions. So what's the catch? The reasons for this generosity of shops and banks can be the following:
- the store seeks to sell outdated and discontinued models;
- often a prerequisite for issuing such loans is insurance, which includes the amount of interest;
- when issuing such loans, banks issue credit cards with extremely unfavorable lending conditions.
But most often, the cost of the goods already includes interest on the loan.
It is quite simple to issue such a loan - only a passport is required from the borrower. The bank usually makes a decision within 1-10 minutes. The maximum loan amount in most cases does not exceed 100 thousand rubles.
Despite all the advantages inherent in lending at retail outlets (convenience and speed of processing), these loans are distinguished by extremely unfavorable rates. The lower rate for such loans is 20%, and the upper one reaches 100%. They are associated with a high level of non-repayment of such loans (5-10%). At the same time, the base rate on a loan (from 20%) is provided by banks extremely rarely and is rather a marketing ploy.
Rate on express loans in Home Credit - 39.9%, OTP - 27.9-37.9%, Alfa-Bank - 29.9% + 1.99% monthly commission; Russian Standard - 23.4-65%.
Therefore, in order to save the family budget, it is better to apply for a non-targeted consumer loan or a credit card with an interest-free period.
Other ways of obtaining loans for equipment without a down payment
To obtain a non-targeted consumer loan, you must contact the branch of the selected bank and request the amount you need. At the same time, banks usually do not ask for what purpose you are applying for a loan. You can also fill out an application for a loan online without leaving your home.
To provide a loan, in most cases, it is enough to be of working age (18-65 years old) and have a constant source of income. Sometimes it is necessary to have registration in the region in which you receive a loan. No guarantors required. Please note that banks often provide special lending conditions to their payroll clients.
The cost of a consumer loan varies from 10 to 20% per annum, the amount is from 1,000 to 1 million rubles, the repayment period is from 3 months to 7 years.
Among the documents you will need a passport and a certificate of income.
After receiving the money, you can go to the store to shop.
Credit cards are an alternative to consumer loans. They are issued in the same way as a consumer loan. The main thing is that the card has a so-called grace period, during which you can return money for purchases without charging interest. Today you can pay by card in almost any electronics and household appliances store. After you pay the bank for a card purchase, the credit limit is resumed and you can make purchases again.
